우리카드, 수익성 하방 압력…보완 과제로 떠오른 '비용 관리'

Woori Card faces mounting profitability headwinds amid rising funding costs, declining merchant fees, and tightened household debt regulations. While maintaining its AA credit rating, the company's ROA lags the industry average and asset quality is deteriorating. Cost control and independent payment network expansion are now critical survival strategies rather than growth initiatives.